AJ Baray NMLS 242904

I have been blessed and able to help many individuals and their families with their mortgage needs since 2003. I believe every client, that I have the opportunity to help, deserves my full attention, communication and has a complete understanding of their mortgage transaction process from start to finish.

It is important for all home buyers, and current homeowners, to have solid answers and accurate information with regards to qualifying for a home or refinancing. My job is to determine the best possible plan of action for their specific situation and needs. When buying a home, it is crucial that you and your realtor have a clear understanding and 100% up-front loan approval, so you are ready to make a solid offer on a home.

Both my wife and I are native Tucsonans. We have been married for 18 years and have 3 children. I enjoy spending time with my family, coaching soccer and supporting my kids in their activities.

Please give me a call if you have any Mortgage questions, whether you are looking to possibly purchase a home, investment property or refinance a current home.

I can help you with any and all loan programs: Conventional, VA, FHA, USDA and I will provide you with the best possible service and rates.

First time homebuyer programs, investors programs, please contact me and I am glad to help!

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Testimonials

Sunstreet Mortgage was professional and fast. We closed on our home in less than four weeks. We were very pleased with the service and particularly the thoroughness of the brokers involved in securing our mortgage.

Phil & Kerra R.

The Mortgage News

Homeowners who refinanced through Freddie Mac in 2013 continued to display fiscal restraint, choosing fixed rate mortgages, keeping essentially the same mortgage balance, and in many cases opting for shorter-term loans to build equity more rapidly. In doing so homebuyers who refinanced during the year will save approximately $21 billion on net over the first 12 months of their new loans.

The Mortgage Bankers Association (MBA) called the fourth quarter of 2013 a particularly strong one for commercial and multifamily mortgage originations, with a total volume of around $280 billion in closed loans, the highest volume since 2007. Preliminary figures indicate that the volume for the entire year was up 15 percent from 2012 and increased 34 percent between the third and final quarter of 2013.

Now that prices have recovered to within striking distance of where many folks purchased their homes, potential sellers have found something new to worry about. Can their potential buyer get a mortgage?

This information is not from HUD or FHA and was not approved by the Department or Government Agency. NMLS ID 145171 (NMLS Consumer Access). Trade/service marks are the property of Sunstreet Mortgage, LLC and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0907366. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act (4131285). Colorado Mortgage Company Registration. Texas—SML Mortgage Banker Registration.